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    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
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MBNA Credit card debt/ charges reclaim


mikesmotor
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nothing phishing trip

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can anybody help.

 

We are in the middle of a disputed debt with link financial. Our next step is to ask for a true copy of the aggreement. My question is, what is the fee we have to pay for these documents. I have information that says its £1.00, can anybody verify please.

 

Regards

 

Mike

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Hi All

 

As a result of a recently sent letter we have just received a copy of an application form for a credit card for a completely different financial organisation than the one claimed by Link financial. Any advice would be appreciated.

 

Regards

 

Mike

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Hi Alf

 

No this is a reply to a preliminary letter sent by registered post last Monday stating either 'put up or shut up'. Yes it does state correct name and address at the time of application but it is forn the Bank of Scotland and not the MBNA who it would appear is their client. Hope this is adequet.

 

Regards

 

Mike

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Hi Alf

 

This is in fact my wife's account and the application was made in 1998. Yes it would appear to have her signature but there is also other writing and scribling on it. I cant remember the outcome of this application.

 

Regards

 

Mike

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Hi Alf

 

We sent a formal reqqest letter for a copy of the credit aggreement with MBNA with the £1 postal order. We've just got back exactly the same Bank of Scotland application form as before with the statement that 'under section 77 and 78 of the Consumer Credit Act 2006 this document fulfills our obligation.' Any advice on what to do now any help woul;d be appreciated.

 

Regards

Mike

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It would appear that MBNA did take over the management and servicing of a lot of card brands from various issuers

So when you applied if could well have been originally Bank of Scotland

All these card brands are now managed by MBNA

 

Alliance & Leicester

Arsenal FC

Battersea Dogs & Cats Home

Blackburn Rovers FC

Breakthrough Breast Cancer

British Heart Foundation

BT

Celtic FC

Chelsea FC

Cheshire BS

Dunfermline BS

England Football

England Rugby

Liverpool FC

Manchester United FC

MBNA

Melton Mowbray BS

National Aids Trust

National Association of Head Teachers

National Trust

Newcastle United FC

NFU (National Farmers' Union)

PDSA (People's Dispensary for Sick Animals)

RAC Financial Services

Rangers FC

SonyCard

Southampton FC

Tottenham Hotspur FC

Unicef

Virgin Money

WWF (World Wildlife Fund)

 

and here is a list of of Lloyds banking group brands, which include Bank of Scotland.

 

AA Financial Services

Accucard

Air Miles

Amazon.co.uk

aqua Card (for adverse-credit borrowers)

Bank of Scotland

Birmingham Midshires

Britannia BS

Cancer Research UK

Cheltenham & Gloucester

Create Card

CWU (Communication Workers Union)

easyMoney

Halifax

Harley-Davidson

Intelligent Finance

Lloyds TSB

Marriott

NSPCC (National Society for the Prevention of Cruelty to Children)

NUT (National Union of Teachers)

Sainsbury's Bank

SAV Credit (for adverse-credit borrowers)

Scottish Widows

SSPCA (Scottish Society for Prevention of Cruelty to Animals)

TUC (Trades Union Congress)

Unison

West Ham United FC*

 

 

Does any of these brand names appear on the application form?

 

A point also to make is that just because it is an application form doesn't automatically render it unenforceable.

It would depend if all the required prescibed terms were contained within the document.

 

Can you scan it (minus personal details) and post it on here so we can advise on its enforceability

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Hi Alf

Yes Bank of Scotland is on the Llodys group however they're saying its a MBNA card. Further, we do have a card account that was transferred to MBNA and that is being serviced in the conventional way, we know nothing of this account.

 

Regards

Mike

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  • 2 weeks later...

Hi Alf

 

further to my recent posts we sent link the 'account in despute' letter 12+2 days after the first letter. They've now replied saying that the bank of Scotlant application form fulfills their obligations under the CCA and don't consider the account to be in despute. Any advice from you or anybody with any expertise would be gratefully received.

 

Regards

 

Mike

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  • 2 months later...
  • 2 months later...

I wonder if anybody can help. I have been paying off an MBNA credit card for some time now with a set ammount by direct debit. Despite frequent requests MBNA still refuse to send me a statement so I don't know what interest is outstanding or how the payments are affecting the balance. What is the legal standpoint on the production of regular statements.

 

Thanks in advance

 

Mike

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